---
canonical_url: https://lendb.ai/lo/kody-gilbow-192566
json_url: https://lendb.ai/lo/kody-gilbow-192566.json
nmls_id: 192566
last_verified: 2026-10-15
---

# Kody Gilbow

Loan Officer Team Lead at Veterans United Home Loans, Columbia, MO. NMLS ID 192566 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/192566)).

**Summary:** Kody Gilbow (NMLS 192566) is Loan Officer Team Lead at Veterans United Home Loans, based in Columbia, MO. Licensed in 3 states confirmed with state regulators: Florida, Texas and Connecticut. Focus areas shown on the lender page: VA loan. Veterans United Home Loans also offers FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan (a lender program, not confirmed as their own focus). Earliest state license record: May 23, 2011 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: May 23, 2011 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://www.veteransunited.com/lo/kody-gilbow/, verified 2026-10-10)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **VA loan** (`va`): from their lender profile page, confidence 0.60, verified 2026-10-10. Source: https://www.veteransunited.com/lo/kody-gilbow/

### Their lender offers (lender level: Veterans United Home Loans's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.veteransunited.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.veteransunited.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.veteransunited.com

## About

Kody has more than 20 years in the mortgage industry and focuses on helping military men and women secure home financing. Outside of work, Kody enjoys time with a wife, two boys and outdoor activities.

Source: LenDb summary of the lender page, verified 2026-10-10.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.veteransunited.com/lo/kody-gilbow/, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO6720 | active | confirmed | 2011-05-23 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2013-03-18 | state_regulator | 2026-10-13 |
| CT | state_license | LO-192566 | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Veterans United Home Loans (NMLS 1907), Columbia, MO. Source: https://www.veteransunited.com/lo/kody-gilbow/, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/192566

## Contact

- View profile at Veterans United Home Loans: https://www.veteransunited.com/lo/kody-gilbow/
- Office phone and Email on file: shown at https://lendb.ai/lo/kody-gilbow-192566#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/192566
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- lender_site: https://www.veteransunited.com/lo/kody-gilbow/
- lender_site (lender programs): https://www.veteransunited.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Kody Gilbow (NMLS 192566), Veterans United Home Loans. LenDb.ai, https://lendb.ai/lo/kody-gilbow-192566, last verified 2026-10-15.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._